How to find the cheapest car insurance quotes in Connecticut
Finding a car insurance policy that meets your needs and budget can be challenging. That’s why it’s important to shop around and compare car insurance quotes to ensure you have the best coverage at the best price before signing on the dotted line.
With Jerry, finding cheap car insurance is simple. Jerry is the go-to platform for Connecticut drivers to find insurance that works for them. It’s a quick, simple, and completely hassle-free way to save—no phone calls, emails, or confusion!
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
---|---|---|---|---|---|
Progressive | $230 | Troy, 22, East Hampton, CT | Nissan Altima 2.5 | State Minimum | No |
Bristol West | $841 | Daniel, 34, West Hartford, CT | Acura Mdx Tech | 100/300 | Yes |
Progressive | $251 | Madge, 55, Stafford, CT | Toyota Camry Se | State Minimum | Yes |
National General | $485 | Luis, 22, Stratford, CT | Ford Fusion Titanium Phev | State Minimum | Yes |
Bristol West | $361 | Herbert, 43, Hartford, CT | Kia Optima Lx | State Minimum | No |
Cheapest car insurance companies in Connecticut
If you’re looking for the best car insurance companies in Connecticut, you’re in luck—Jerry conducted a national insurance shopping survey to find the best providers for drivers.
The study found no “best” or “cheapest” provider for every driver. Each insurance company uses different algorithms to calculate rates, so not every company will offer the same rate for the same driving profile.
GEICO, Progressive, and Allstate have the largest market shares in Connecticut and may offer good rates for Connecticut drivers—but this may not be the case for every driver. According to the survey, GEICO was rated just 3.8 out of 5.0 for cost. Nationwide, Progressive, and State Auto got the highest overall ratings and best policy cost ratings from Connecticut drivers.
Insurance Company | Date | Cost rating (out of 5) | What our customer said: |
---|---|---|---|
State Farm | October 24, 2024 | 5 | “So amazing.” -Hulda |
National General | October 22, 2024 | 5 | “National general is a good car insurance company. It’s at a good price and they work with me when I need the help.” -Lela |
The General | October 22, 2024 | 5 | “Easy quote “ -Eva |
Progressive | October 21, 2024 | 5 | “really amazing insurance company! also in my budget” -Leah |
Progressive | October 20, 2024 | 4 | “Love progressive cheapest insurance “ -Adeline |
To quickly find car insurance quotes online without the hassle, the most convenient method is to use a comparison app or website.
Jerry is the nation’s top car insurance comparison app, making comparing insurance quotes online quick and painless from your smartphone. Partnering with over 50 top providers, Jerry’s team of 100+ licensed insurance agents are there to help you find the best coverage and rate 24/7.
Minimum liability and full coverage in Connecticut
All Connecticut drivers must meet the state’s minimum insurance requirements before getting behind the wheel. Drivers may also purchase full-coverage auto insurance for better vehicle protection.
Cheapest minimum liability coverage car insurance quotes in Connecticut
Connecticut’s minimum car insurance requirements follow a 25/50/25 pattern and mandate the following:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 / $50,000 of uninsured motorist bodily injury (UM) coverage
- $25,000 / $50,000 of underinsured motorist bodily injury (UIM) coverage
Ready to find the perfect liability insurance policy? Jerry recently helped several Connecticut drivers find affordable liability insurance quotes.
Do you need more than minimum coverage in Connecticut?
Connecticut drivers are only required to carry insurance that meets the minimum requirements, but most drivers opt for coverage that exceeds the 25/50/25 minimum.
If you’re involved in an at-fault accident, you may be on the hook for medical bills and vehicle repair costs that could easily exceed the state-mandated minimum. In a serious crash that caused major injuries, you could be faced with a bill for more than $60,000—along with ongoing healthcare costs.
Remember: Connecticut’s car accident laws allow drivers to file personal injury lawsuits for up to two years following an accident, meaning that your liability extends long past the actual incident.
The bottom line: For better financial protection, Connecticut drivers should consider upgrading to 50/100/50 or even 100/300/100 liability coverage, or purchasing a full-coverage policy.
Cheapest full coverage car insurance quotes in Connecticut:
Purchasing a full coverage car insurance policy is one of the easiest ways to safeguard you against vehicle repair or replacement costs.
A full coverage policy usually includes comprehensive and collision coverage:
- Comprehensive insurance helps cover the cost of repairs to your vehicle due to non-collision-related incidents, such as fire, theft, vandalism, falling objects, or weather damage.
- Collision insurance helps cover the costs of vehicle repair or replacement if your vehicle is damaged in an accident with another vehicle or stationary object, such as a tree or sign.
Most lenders will also require you to have coverage for physical damages—collision and comprehensive insurance coverage.
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
---|---|---|---|---|---|
100/300 | Yes | Bristol West | $841 | Daniel, 34, West Hartford, CT | Acura Mdx Tech |
State Minimum | Yes | Progressive | $251 | Madge, 55, Stafford, CT | Toyota Camry Se |
State Minimum | Yes | National General | $485 | Luis, 22, Stratford, CT | Ford Fusion Titanium Phev |
State Minimum | Yes | Progressive | $492 | Andre, 27, Gales Ferry, CT | Ford Explorer Sport |
State Minimum | Yes | National General | $484 | Ella, 54, West Haven, CT | Subaru Crosstrek Limited |
Average rates for state minimum liability coverage and full coverage
We’ve worked with Connecticut insurance providers and found that the average cost of minimum liability coverage is $167 per month or $1,999 per year. The average cost for full coverage insurance in Connecticut is $215 per month or $2,578 per year.
The average annual rate in Connecticut is an excellent way to help you estimate how much you can expect to pay for your insurance—but remember that insurance premiums are determined by a variety of factors, such as your age, location, vehicle make and model, driving record, and claims history.
Connecticut car insurance: Additional coverages
Uninsured motorist/underinsured motorist protection is also mandatory in Connecticut. Drivers are required to carry $25,000 in uninsured motorist bodily injury (UMBI) coverage per person and $50,000 per accident, as well as $25,000 in underinsured motorist bodily injury coverage per person and $50,000 per accident. Connecticut drivers are not required to have uninsured motorist property damage (UMPD) insurance.
In addition to collision and comprehensive coverage, here are some other types of insurance coverages Connecticut drivers should consider:
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Towing and labor coverage
If you have a loan on your car: Gap insurance helps cover the difference between the car’s actual cash value and the amount you still owe if it’s totaled or stolen.
If you frequently rent or borrow a vehicle and don’t own one yourself: Non-owner car insurance in Connecticut offers liability coverage for bodily injury and property damage if you are liable in an at-fault accident, but it doesn’t cover damage to the actual vehicle you’re driving or your medical expenses.
Car insurance premium by rating factors in Connecticut
Connecticut car insurance providers consider various factors when determining auto insurance premiums, including:
- Driving record and claims history: Insurance providers charge more if you have accidents or tickets on your Connecticut driving record.
- Vehicle location: Insurance rates for drivers in cities like Hartford and New Haven are typically higher than in rural areas. Rates will also vary based on your ZIP code, even in the same city.
- Vehicle make and model: Luxury, high-performance, and sports cars have higher insurance premiums than other vehicles.
- How you use your car: Cars driven for work typically have higher insurance premiums than cars driven for leisure.
- Your credit score: In Connecticut, drivers with higher credit scores usually pay less for the same insurance coverage.
- Demographics: Age and gender play a role in insurance rates, with men usually paying more than women and young and old drivers seeing higher premiums.
Cheapest Connecticut car insurance after a driving violation
A driving violation on your record can have serious implications for your Connecticut car insurance rates.
A driver with minor or major violations on their driving record is considered a “high-risk driver” and is subject to higher insurance rates.
Cheapest car insurance for Connecticut drivers with a speeding ticket
Connecticut drivers are penalized with fines for speeding based on the degree of speed. Although Connecticut doesn’t issue driving record points to drivers who pay their speeding ticket or are found not guilty, a speeding ticket can still impact your car insurance rate. A driver going over 85 mph can be charged with reckless driving.
Even with a speeding ticket on your record, Jerry can help you save on your car insurance.
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
---|---|---|---|---|---|
Speeding Violation-Major | Bristol West | $444 | Charlotte, 26, Enfield, CT | State Minimum | Yes |
Speeding Violation-Minor | Progressive | $141 | Richard, 34, Manchester, CT | State Minimum | Yes |
Speeding Violation-Major | Bristol West | $429 | Scott, 57, Windsor Locks, CT | 50/100 | Yes |
Speeding Violation-Major | Bristol West | $972 | Frederick, 40, Norwalk, CT | 50/100 | Yes |
Speeding Violation-Major | National General | $323 | Cole, 33, Manchester, CT | State Minimum | No |
Cheapest auto insurance in Connecticut after a DUI
A serious offense like a DUI in Connecticut can lead to a steep increase in your car insurance rate. Drivers with a DUI are considered high-risk drivers, and if an insurer is willing to insure you, it’s generally at a much higher premium than drivers without a DUI—97% higher, on average. To secure the best rate with a DUI on your driving record, shop around for quotes from various insurance providers.
Connecticut SR-22 insurance
After a major driving violation like a DUI, you may need to file an Connecticut SR-22 before you can regain your license. Insurance providers issue an SR-22 to high-risk drivers to prove they carry the minimum car insurance required in Connecticut.
SR-22s are usually required for:
- Driving without insurance
- Driving without a valid driver’s license
- DUI or DWI conviction
- Hit-and-run
- Reckless driving
- Distracted driving
- Repeated driving violations
- An at-fault collision leading to death or injury
You will be notified if you need to file an SR-22 following a license suspension or revocation. If you have to file an SR-22 in Connecticut, you can expect to see a steep increase in your insurance premium. Also, remember that some insurers won’t offer insurance for drivers requiring an SR-22 or may offer limited insurance options.
Cheapest Connecticut auto Insurance after an at-fault accident
Your driving history has a big influence on your car insurance rate. Insurers look at previous at-fault accidents to determine how much of a risk you are. The more at-fault accidents, the more high-risk you are and the higher your insurance rate will be when your policy is up for renewal.
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
---|---|---|---|---|---|
Not At Fault | Bristol West | $841 | Daniel, 34, West Hartford, CT | 100/300 | Yes |
At Fault With No Injury | National General | $485 | Luis, 22, Stratford, CT | State Minimum | Yes |
At Fault With No Injury | Bristol West | $361 | Herbert, 43, Hartford, CT | State Minimum | No |
At Fault With No Injury | Progressive | $492 | Andre, 27, Gales Ferry, CT | State Minimum | Yes |
At Fault With No Injury | Progressive | $204 | Mayme, 75, Norwalk, CT | State Minimum | Yes |
FAQ
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Is Connecticut a no-fault state?
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Is car insurance cheaper in CT than NY?
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How does credit score impact car insurance premiums in Connecticut?
Cheapest auto insurance after other violations in Connecticut
A DUI or speeding can increase your insurance premium, but so can other violations. Careless or reckless driving, driving without insurance, or driving without a license are major offenses that can steeply increase your insurance premium.
Check out some examples of how Jerry helped drivers with violations find affordable insurance.
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
---|---|---|---|---|---|
Following too Closely | National General | $485 | Luis, 22, Stratford, CT | State Minimum | Yes |
Failure to Obey Signal | National General | $1,139 | Derek, 26, West Haven, CT | State Minimum | Yes |
Other Minor | Progressive | $62 | Noah, 44, Canterbury, CT | State Minimum | No |
Other Minor | National General | $313 | Rosalie, 26, South Windsor, CT | State Minimum | No |
Operating Vehicle without Permission | National General | $482 | Polly, 30, Bridgeport, CT | State Minimum | No |
Cheapest Connecticut auto insurance based on insurance history
Your insurance history also influences how much you pay for insurance. The longer you’ve been insured, the lower your car insurance premium should be. Insurers want to know that you haven’t had a lapse in auto insurance coverage—a lapse in insurance coverage may lead to you being labeled as a “high-risk driver,” which generally comes with a pricey premium.
You’ll never miss a payment with Jerry! When a payment is coming up, Jerry gives eligible drivers the option to turn on notifications to help you avoid missing a payment or having a lapse in insurance coverage.
Jerry can help you find savings on a new insurance policy regardless of your insurance history. Check out how we helped these customers!
Cheapest car insurance for drivers with poor credit
Your credit score is important when buying a car, house and yes, even car insurance. Insurers sometimes use credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the more likely you may be to make a claim and the higher your insurance cost.
Drivers with a poor credit score can see an average rate more than 100% higher than drivers with a good credit score. If you have a fair or poor credit score and are looking for affordable car insurance, shopping around with a comparison app or website can help you find the best rate.
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
---|---|---|---|---|---|---|
750+ | Progressive | $230 | Troy, 22, East Hampton, CT | Nissan Altima 2.5 | State Minimum | No |
660-750 | Progressive | $251 | Madge, 55, Stafford, CT | Toyota Camry Se | State Minimum | Yes |
750+ | National General | $485 | Luis, 22, Stratford, CT | Ford Fusion Titanium Phev | State Minimum | Yes |
550-659 | Bristol West | $361 | Herbert, 43, Hartford, CT | Kia Optima Lx | State Minimum | No |
550-659 | Progressive | $492 | Andre, 27, Gales Ferry, CT | Ford Explorer Sport | State Minimum | Yes |
Cheapest Connecticut car insurance by age
Drivers under 25 are subject to some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. After 25, car insurance rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.
If you’re looking for cheap insurance as a teen driver or senior, Travelers, State Farm, GEICO, and USAA generally offer some of the cheapest rates—but it still pays to shop around to find the best rate for you.
Cheapest Connecticut car insurance for young drivers
Drivers under 19 tend to pay the highest rates for car insurance of any age bracket in Connecticut–especially 16- and 17-year-olds. Once a driver gains more experience on the road, rates usually decrease. In the meantime, drivers under 19 with newer vehicles may benefit from purchasing a full coverage auto insurance policy with more protection in the event of an accident.
Cheapest Connecticut car insurance for senior drivers
Car insurance rates start to increase again once you hit your mid-70s for several reasons. Older people are at a higher risk of mortality, hospitalization, and medical expenses from car accidents, but they also have slower reflexes that increase the risk of being involved in an accident. A higher risk on the road means more significant costs for insurers and higher premiums for older drivers.
Cheapest car insurance for popular cars
Your vehicle’s make and model play a role in car insurance premiums. Cars with a higher book value typically cost more to insure than cheaper cars. There are other factors associated with your car that can cause insurance rates to increase:
- Average cost of repairs or replacements
- Likelihood of theft
- Safety record
Some of the most popular cars among Connecticut drivers include:
- Honda Accord
- Honda CR-V
- Toyota RAV4
- Subaru Forester
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
---|---|---|---|---|---|
Honda Accord Sport Special Edition | National General | $600 | Ola, 30, Stamford, CT | 50/100 | Yes |
Honda Accord Exl | Bristol West | $304 | Roxie, 35, Hartford, CT | State Minimum | No |
Honda Accord Sport | National General | $341 | Addie, 37, New Haven, CT | State Minimum | Yes |
Honda Accord Sport | Bristol West | $301 | Millie, 31, Waterbury, CT | State Minimum | No |
Honda Accord Lx | Bristol West | $311 | Inez, 26, Bridgeport, CT | State Minimum | No |
Learn more: How to get car insurance before buying a car
Car insurance cost for new vs. old car
The value of a car usually decreases with age, but that doesn’t always mean older cars have cheaper car insurance. Insurance rates are determined by how much an insurer would have to pay out if the car was damaged, which means how resilient the car is must be considered.
Newer cars with more safety features typically increase their resiliency, which could decrease your premium. However, you may also see a higher premium because newer cars tend to have more expensive repairs.
In general, newer cars are more costly to insure than older cars. At Jerry, we found that Connecticut’s average full coverage insurance cost for a car older than 10 years is $2,517 per year. The average cost for insuring a car less than 4 years old is $2,066 a year.
Connecticut cheapest car insurance by location
Where you live also influences how much you have for car insurance; your location heavily impacts the likelihood of your vehicle being damaged or stolen, which means a payout for auto insurance companies. Living in an urban area also means a higher premium compared to rural areas.
Where you park also matters; drivers with access to a secure parking location—garage, driveway, or parking garage—may see lower rates than drivers who park on the street.
In addition to crime, things like population density, accident rates, and weather also influence how much insurance rates are in your area.
Take a look at how Jerry agents helped Connecticut drivers in different cities save on insurance costs.
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
---|---|---|---|---|---|---|
East Hampton, CT | Troy | Progressive | $230 | Nissan Altima 2.5 | State Minimum | No |
West Hartford, CT | Daniel | Bristol West | $841 | Acura Mdx Tech | 100/300 | Yes |
Stafford, CT | Madge | Progressive | $251 | Toyota Camry Se | State Minimum | Yes |
Stratford, CT | Luis | National General | $485 | Ford Fusion Titanium Phev | State Minimum | Yes |
Hartford, CT | Herbert | Bristol West | $361 | Kia Optima Lx | State Minimum | No |
How to lower car insurance costs in Connecticut
Finding the best cheap car insurance can sometimes be like finding a needle in a haystack, but with the right tips from Jerry’s team of experts, you can find the best rate and coverage for you. Here are some easy hacks to help you save on car insurance:
- Shop around and compare quotes between insurance companies.
- Look at insurance policy costs before buying a car.
- Increase your deductible for comprehensive and collision insurance.
- Reduce coverage where it’s not needed (especially on older cars).
- Bundle your auto and homeowners insurance to get a discount.
- Increase your credit score.
- Ask about car insurance discounts, such as good student discounts, safe driving discounts, or low mileage discounts.
- Take a defensive driving course.
Why car insurance is so expensive in Connecticut
Car insurance rates in Connecticut may not be as expensive as in other states, but that doesn’t mean you’ll always see cheap rates. Here are a few reasons why:
- Higher repair costs
- More drivers on the road
- Expensive healthcare
- Uninsured driver rate
- Unpredictable weather
- Increasing highway density
- Insurers don’t need approval to increase rates
FAQ
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What is the average cost of car insurance In Connecticut?
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What are the best car insurance companies in Connecticut?
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What is the required car insurance coverage in Connecticut?
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Can you register a car without insurance in Connecticut?
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Do I need uninsured/underinsured motorist protection in Connecticut?
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Does insurance follow the car or the driver in Connecticut?
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What does full coverage car insurance consist of in Connecticut?
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Can you have out-of-state car insurance in Connecticut?
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Is PIP required in Connecticut?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.